WalletHub
Best Business Credit Cards for Fair Credit
WalletHub makes it easy to find the best business credit card for fair credit.
Business credit cards for fair credit are best for small business owners with credit scores of 640 to 699. The best small business credit cards for fair credit have $0 annual fees (or close to it) and give rewards equal to at least 1% of all purchases ... show more... show more
Best Business Credit Cards for Fair Credit
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Overall:
Capital One Spark Classic for BusinessLearn MoreLearn More
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Overall:
Capital One Spark Classic for BusinessLearn MoreLearn Moreon issuer's website
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Overall:
Capital One Spark Classic for BusinessLearn MoreLearn More
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General-Purpose Card:
Petal® 2 Visa® Credit CardLearn MoreLearn More
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General-Purpose Card:
Petal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
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General-Purpose Card:
Petal® 2 Visa® Credit CardLearn MoreLearn More
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No Credit Check:
opensky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
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No Credit Check:
opensky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
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No Credit Check:
opensky® Secured Visa® Credit CardLearn MoreLearn More
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Online Shopping:
Amazon Store CardLearn MoreLearn More
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Online Shopping:
Amazon Store CardLearn MoreLearn Moreon issuer's website
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Online Shopping:
Amazon Store CardLearn MoreLearn More
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- General-Purpose Card:
- No Credit Check:
- Online Shopping:
COMPARE BUSINESS CREDIT CARDS FOR FAIR CREDIT
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- No membership fees
- Qualify with bad credit
- Does not require security deposit
- Substantial business revenue needed to qualify
- Qualify with limited or no credit history
- 1% cash back on payments
- Membership fees
- Foreign fee
- Requires security deposit
- Qualify with limited or no credit history
- Relatively low security deposit
- 1% cash back on payments
- Membership fees
- High regular APR
- Foreign fee
- No membership fees
- High rewards rate
- Up to 50,000 points initial rewards bonus
- No foreign fee
- Must be paid in full each month
- Built-in expense management software
- No credit check
- No personal guarantee required
- Must be paid in full each month
- No membership fees
- High rewards rate
- Bonus rewards categories
- Qualify with fair credit
- Spending caps on rewards
- Foreign fee
- Must be paid in full each month
- No membership fees
- High rewards rate
- Bonus rewards categories
- Qualify with fair credit
- Spending caps on rewards
- Foreign fee
- Must be paid in full each month
Best Business Credit Cards for Fair Credit in 2025
The best business credit card for fair credit is Capital One Spark Classic * because it has a $0 annual fee and gives 1% cash back on all purchases. Even small business owners with limited credit history can get Capital One Spark Classic, so applicants with fair/average credit should have solid approval odds. That is especially true if your score is closer to good credit (700-749) than bad credit (below 640).More generally, the best business credit cards for average credit aren’t always branded specifically for business use. Not all of them can be used to make purchases everywhere, either. Rather, the best offers for small business owners with credit scores between 640 and 699 are those offering reasonable odds of approval, annual fees that are as close to $0 as possible, and maybe even some modest rewards. Your top priority should be improving your credit standing at the lowest possible cost in order to qualify for one of the market’s best overall business credit cards sooner.
So our editors analyzed hundreds of credit card offers for people with fair credit, including personal cards and store-specific offers, in search of the top credit card deals for small business owners with fair credit scores.
Best Business Credit Cards for Fair Credit Comparison
| Credit Card | Editors’ Rating | Best Feature | Annual Fee |
| Capital One Spark Classic * | 3.5/5 | 1% cash back on all purchases | $0 |
| Amazon Store Card | 5/5 | 5% back on all purchases (Prime members) | $0 |
| opensky® Secured Visa® Credit Card | 4/5 | No credit check | $35 |
In choosing an offer, remember that we recommend business-branded credit cards only for everyday purchases that you can pay in full within a single billing period. Personal cards are much better equipped to meet small business financing needs given their superior user protections. In short, they’ll protect you from the arbitrary interest-rate increases that are unfortunately possible with business cards.
Methodology for Selecting the Best Business Credit Cards for Fair Credit
To identify the best business credit cards for fair credit, WalletHub’s editors start by comparing the credit score requirements of all the business credit cards in our database of 1,500+ credit card offers. After excluding the cards for which applicants with fair credit are not eligible, we compare the remaining cards based on expected cardholder savings over two years of use. This ensures that both sign-up incentives and ongoing benefits are taken into account, and it allows us to ultimately select the best fair-credit business cards across the most popular usage categories. Given the small number of business credit cards available to people with fair credit, we also supplement our selections with stand-out consumer credit cards that provide competitive terms.
About the Author
John S Kiernan
Business Credit Cards for Fair Credit FAQ
Comparing business credit cards for fair credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Can I get a business credit card with a 660 credit score? Reply
Yes, you can get a business credit card with a 650 credit score. The best business credit card for a 650 credit score is the Capital One Spark Classic card because it accepts applicants with limited credit or better and gives 1 - 5% cash back on all purchases. The card comes with a $0 annual fee.
Best Business Credit Cards for a 650 Credit Score
- Best for Cash Back: Capital One Spark Classic for BusinessLearn MoreLearn More
- Best for Cash Back: Capital One Spark Classic for BusinessLearn MoreLearn Moreon issuer's website
- Best for Cash Back: Capital One Spark Classic for BusinessLearn MoreLearn More
- Best for Office Supplies: Office Depot Business Credit CardLearn MoreLearn More
- Best for Office Supplies: Office Depot Business Credit CardLearn MoreLearn Moreon issuer's website
- Best for Office Supplies: Office Depot Business Credit CardLearn MoreLearn More
- Best Charge Card: Brex Corporate Card for StartupsLearn MoreLearn Moreon issuer's website
- Best Charge Card: Brex Corporate Card for StartupsLearn MoreLearn Moreon issuer's website
- Best Charge Card: Brex Corporate Card for StartupsLearn MoreLearn More
- Best for Cash Back: Amazon Store CardLearn MoreLearn More
- Best for Cash Back: Amazon Store CardLearn MoreLearn Moreon issuer's website
- Best for Cash Back: Amazon Store CardLearn MoreLearn More
- Best for Cash Back:
- Best for Office Supplies:
- Best Charge Card:
- Best for Cash Back:
A 650 credit score is considered fair credit, which makes you eligible for a few decent business credit card options. However, the best business credit card offers overall require a good personal credit score or better for approval.
Fortunately, you can sign up for a free WalletHub account to receive personalized advice that can help you improve your credit score and qualify for better offers.
What are the best business cards for startups with fair credit? Reply
The best business credit card for startups with fair credit is Capital One Spark Classic for Business * because it is designed for small business owners with less than 3 years of credit history, and you could be approved with fair personal credit. Capital One Spark Classic * also offers 1 - 5% cash back on purchases and has a $0 annual fee.
Best Business Credit Cards for Startups with Fair Credit
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- No Personal Credit Check:
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When you apply for a business credit card, the issuer will usually pull your personal credit report to help...
What is the easiest business credit card to get? Reply
The easiest business credit cards to get are secured business credit cards, such as the Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card. It accepts applicants with bad credit and doesn't even require a minimum credit score, making it very easy to get. This card also rewards you with 1.5% cash back on all purchases and has a $0 annual fee.
Easiest Business Credit Cards to Get in 2025
- Best for Bad Credit: Business Advantage Unlimited Cash Rewards Secured Card
- Best for No Credit: Capital One Spark Classic for Business *
- Best for 0% APR and...
What business credit cards offer guaranteed approval with fair credit? Reply
There are no business credit cards that offer guaranteed approval with fair credit. In fact, "guaranteed approval" credit cards don't exist. There will always be some criteria based on which your application will be either approved, or denied.
While most business cards require good or excellent credit, there are a few credit cards you can use for business purposes that you can get even with fair credit.
Can I get a business credit card with a 625 credit score? Reply
Yes, you can get a business credit card with a 625 credit score, but your options will be limited to secured cards. The best business credit card for a 625 credit score, which is considered bad credit, is the Business Advantage Unlimited Cash Rewards Secured Card. This card accepts applicants with bad credit and gives 1.5% cash back on all purchases.
The Business Advantage Unlimited Cash Rewards Secured Card is a secured card, which means you’ll have to put down a refundable security deposit of at least $1000 to get it.
...Featured Credit Cards
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Sunoco Gas Card, Conoco Fleet Universal Card, Sunoco Fleet Card, Business Advantage Unlimited Cash Rewards Secured credit card, Valley Bank Visa® Secured Business Credit Card, Capital One Spark Classic for Business, First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card, Sam's Club® Business Store Card, Office Depot Business Credit Card, Amazon Store Card, and Petal® 2 Visa® Credit Card.
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